Silicon Valley Bank Results Presentation Deck

Continued client funds net outflows as VC investment declined and client cash burn remained elevated; Expect mid 20s % FY'22 average deposit growth Q3'22 activity Total client funds declined (average -5%, EOP -7%) despite continued strong capture rate of client liquidity events and robust client growth, as VC investment slowed, public markets remained shut and client cash burn only slightly moderated Higher proportion of interest-bearing deposits and increased deposit costs reflect actions to support deposits and client preferences for higher rates Q4'22 considerations Expect Q4 average deposits to decline to ~$168-172B: Pressured public and private markets Reduces client funds inflows from fundraising and exit events + Higher rate environment Increased demand for yield off-balance sheet China policy changes Slows investment in Chinese companies PE/VC distributions Typically happen at year-end Robust liquidity solutions and substantial OBS balances Provide flexibility to support on-balance sheet deposit balances Slowing client cash burn As clients conserve cash Expect higher cost of deposits: Higher cost of interest-bearing deposits NII sensitivity model assumes -65% beta on interest-bearing deposits Declining noninterest-bearing share of total deposits Expect noninterest-bearing share of total deposits to decline to ~45-50% by 12/31/22 as we continue to leverage our flexible liquidity solutions to shift OBS client funds on-balance sheet, and as client demand for interest-bearing deposits increases svb> * Based on deposit rates and total deposit balances at September 30, 2022. Average client funds $B 355 54 110 191 Q3'21 67.1% 0.05% 391 60 Q3'21 123 Average deposit mix and pricing 208 Q4'21 67.1% 0.04% Q4'21 397 65 126 206 Q1'22 65.8% 0.05% Q1'22 387 71 121 195 Q2'22 62.8% 0.16% 368 79 Interest-bearing deposits Q2'22 106 Noninterest-bearing deposits 183 As of 9/30/22: 53% noninterest-bearing deposits 83 bps weighted average spot deposit rate* Q3'22 57.1% 0.53% Off-balance sheet client funds Q3'22 Percent of noninterest-bearing deposits Total cost of deposits Q3 2022 FINANCIAL HIGHLIGHTS 24

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